Good on you, it's such a slippery slope, the advice on here is priceless, as you know just make sure you keep everything in writing.

Really sorry I'm probably not clear, really confused myself. The cash amount that I borrowed was £660, this was made up of 5 smaller transactions over a period of a couple of weeks. I was charged £5.50 for each of those transactions totalling £27.50. the difference between those two amounts and my balance to pay (£814.05) is £126.55 (which is the interest amount applied). I have paid two payments totalling £165 (£85 and £80) so my balance should be £649.05, I've cut and pasted below what the website currently says. Essentially the larger amounts below are balances after the lower payment amount is made (hope that makes sense). Actually as I've typed that all out I've realised that Payment 1 is the second payment instalment I have made so it does add up roughly. Apologies I have my stupid hat on today! Sorry! Payment 1£79.4803 Jan 2014 £635.30Payment 2£78.9603 Feb 2014 £556.34Payment 3£79.4803 Mar 2014 £476.86Payment 4£79.4803 Apr 2014 £397.38Payment 5£79.4803 May 2014 £317.90Payment 6£79.4803 Jun 2014 £238.42Payment 7£79.4803 Jul 2014 £158.94Payment 8£79.4803 Aug 2014 £79.46Payment 9£79.4603 Sep 2014 £0.00

£814.05, but I set up the arrangement a few days before it was due, they sent a breakdown by email that totaled £800.30 for the arrangement. The original loan amount was for £660 plus £27.50 in transfer fees.

Hi again, I am still having a nightmare with Wonga on this, have already contacted FOS and I can further escalate in a couple of weeks. So the arrangement is in place and has been for a couple of months, I pay slightly over and above what was agreed so I can get it paid off quickly. You can log in and see the status of what you owe as part of your repayment plan (apologies if you already know this) Anyway this amount changes on a daily basis. My initial repayment total was £800.30 and now if you add up all the payments due and what I have already paid it amounts to £880.30. Any advice on this or other people that have had the same issue. I know some people have spoken about the interest amount not freezing when you log in and look at the 'today you owe' section, that's not what I am talking about, it's the arrangement details that concern me and those installment amounts and ultimate total shouldn't change. I have sent so many emails now, not once have I had a straight answer on the total amount owed, they just direct you to the website which isn't static (I have screen printed everything luckily) but what a pain! Thanks guys

So whilst I thought this was sorted Wonga have now changed the dates of the payment arrangement. I luckily have kept screen prints of everything. Also the total amount payable keeps changing, any advice on what to do, I have already logged a complaint with the FOS about them Background is: 1) Repayment arrangement was initial payment on 23rd November and thereafter payments on 3rd of each month starting 3rd January 2014 (this is to allow enough time for the bank transfer to get to them as I will pay 25th of each month) - All on print from account 2) I received an email today stating that they were unsuccessful in debiting payment for 3rd December and if I don't pay by 10pm tomorrow then they will stop the arrangement and charge me the interest! a) I've told them no less that 15 times that I will pay via bank transfer and not to attempt to take the monies from my card. b) I also checked my Wonga account and dates and amounts on the payment arrangement have completely changed without any notification to me, this has resulted in an extra payment due today and an additional amount of £15 being added to the total. I've sent three emails but have had nothing back... Just so fed up this, it's just a simple request and is just a nightmare to try and get straight...

Cheers renegadeimp. Will send one in now... What a palava just to make a repayment arrangement, I'm so glad I have given myself no way of being able to take one out again.

Just an update on this. After countless emails to countless email addresses at Wonga. I had a repayment plan agreed 3 days before due date via the system in the end and still no responses (aside from automated ones) to my emails from a normal human being that is able to read or communicate. I made a payment on Saturday over and above their installment of £80 which according to my bank was accepted. Low and behold they have still taken out their installment on top of that today. MY CPA cancellation was sorted out in time so I will receive that money back thankfully. I have contacted the OFT about this and also will be contacting the Ombudsmen. It's unacceptable that an organization as large as this can get away with what feels like a deliberate ploy to make it as difficult as possible for lenders to set up plans and to have anything agreed in writing.

Good call. Thanks... I hadn't thought about the bank detail issue... Cheers

Sorry I thought this was a consumer forum for helping, I want to obviously ensure that I get the details right before transferring monies over and by pulling information from like minded people like the members on this site who have had similar experiences is comforting in what already is a pretty depressing situation.

Great thanks so much for your help, just wanted to double check. Does anyone have their bank details?

Hi Can someone help me with this please. Wonga have come back to me with the below. I have sent them 3 emails chasing them on a decision on my repayment plan offer over a 4 month period. I understand it's best to not communicate with them over the phone... They've sat on this now for 2 days. After reviewing your email, it seems clear the best way to get this matter sorted is over the phone. Please call us on 020 7138 8331. We look forward to discussing your account and trying to help find a solution for you. You may also find you can get things sorted by using the options in the ‘my account’ area of our site.

Hello Funnily enough Wonga have just written back to me with the below, there is no option to set up a repayment arrangement via my account as this isn't available 3 days before due date apparently. Our aim is always to help you settle your loan as quickly as possible. Acknowledging difficulty in repaying is half the battle, so thanks for contacting us. You can set up a repayment arrangement online by logging into the ‘my account’ area of our site and clicking ‘applying for a repayment arrangement’. You’ll need to complete an income and expenditure form so please follow the onscreen instructions. We’d like to get you on a repayment arrangement so we can freeze interest when you make your first repayment. If you need any help completing this form, please call us on 0207 138 8331.

Hi, Handed in my letter to the bank yesterday and also emailed them.. Will be writing to Wonga today to let them know and to try and set up an arrangement bafore Monday. I now know that just by virtue of having a PDL my ability to obtain a mortage etc is not great so this may be a siilly question but if I enter into a 3 month arrangement with them will this result in a default on my credit file? I have spent the last couple of years cleaning up my credit file and would hate for this to have an additional adverse effect. Thanks again

PDL company is indeed Wonga, it's not actually a direct debit, they take it from my debit card, I cancelled my current card just now and they are sending me a new one. I was reading some of the other advise on here about cancelling a continuous payment authority to stop any further payments being taken, do I cancel this with my bank and Wonga? Will this ensure that they can't take the whole amount from my bank?

Hello, I am ashamed to say that I have gotten myself into a payday loan mess that is really scaring me and I just don't know how to get out of it. It started a three months ago with just £200 to help with some car repairs, it has spiralled out of control to a point where once they take out the loan of £800 in 9 days it will leave me with £20 to live on with this vicious circle just continuing, I feel sick just thinking about it. I can afford to pay it back over 4-5 months if I didn't have to worry about the interest and could just manage it over a realistic period. Is this something that you think they may be agreeable to and if so how might be the best way to go about it, it says to contact them 3 days before but this will obviously accrue another 6 days interest amounting to £60. I've read that it's best not to contact them by phone and to also contact my bank? Thankyou!